4.06% APY* for 18 months
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*APY is the Annual Percentage Yield on the deposit. Rate quoted is accurate as of March 1, 2023. Minimum to earn APY is $1,000. Early withdrawal penalties may apply. Limited time offer. Federally Insured by NCUA.
Mortgage Rates |
|||
Conventional |
Rate |
APR |
Points |
---|---|---|---|
30 Year Fixed Rate | 6.125% | 6.162% | 0.000% |
15 Year Fixed Rate | 5.625% | 5.686% | 0.000% |
5/1 Non-Conforming ARM Primary Residence | 5.750% | 6.758% | 0.000% |
DPA |
Rate |
APR |
Points |
30 Year Fixed HOME Down Payment Assistance | 6.375% | 6.392% | 0.000% |
Annual Percentage Rate 1 | Index 2 | Margin | Loan to Value 3 | Alert Me |
---|---|---|---|---|
7.25% | 7.75% | - 0.50 | up to 80% | Receive a notification when this rate changes |
8.75% | 7.75% | +1.00 | 80.01% - 90% | Receive a notification when this rate changes |
*APR: Annual Percentage Rate. Generally, fees paid by NEFCU. If appraisal required, member-paid fees may range from $350 to $600. For Home Equities in first Mortgage position, members may be required to pay Title Examination fees which may range from $250 to $500 and Title Insurance fees which may range from $1.65 to $2.75 per $1000 borrowed. | ||||
|
Annual Percentage Rate 4 | Term | Monthly Payment per $1000 5 | Loan to Value 3 | Alert Me |
---|---|---|---|---|
5.75% 6 | 5 years | $19.22 | up to 80% | |
6.75% 6 | 10 years | $11.48 | up to 80% | |
7.25% 6 | 15 years | $9.13 | up to 80% | |
Generally, fees paid by NEFCU. If appraisal required, member-paid fees may range from $350 to $600. For Home Equities in first Mortgage position, members may be required to pay Title Examination fees which may range from $250 to $500 and Title Insurance fees which may range from $1.65 to $2.75 per $1000 borrowed. | ||||
|
Annual Percentage Rate 4 | Term | Monthly Payment per $1000 5 | Loan to Value 3 | Alert Me |
---|---|---|---|---|
6.75% 6 | 5 years | $19.68 | up to 85% | |
7.75% 6 | 10 years | $12.00 | up to 85% | |
8.25% 6 | 15 years | $9.70 | up to 85% | |
Generally, fees paid by NEFCU. If appraisal required, member-paid fees may range from $350 to $600. For Home Equities in first Mortgage position, members may be required to pay Title Examination fees which may range from $250 to $500 and Title Insurance fees which may range from $1.65 to $2.75 per $1000 borrowed. CLTV is Combined Loan-to-Value ratio. | ||||
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1 All rates quoted are subject to change monthly, the maximum interest rate is 18% and the minimum interest rate is 4.50%. The rate may increase after the consummation of the loan. These are our posted rates; your rate could vary according to your credit.
2 The Index is the Prime Rate published in the Wall Street Journal on the last Wednesday of each month.
3 Maximum allowable loan to values may vary based on current market conditions. Up to 80% LTV based on a current appraisal. Up to 75% LTV based on a current Tax Assessed Value. Call a loan officer for further details.
4 These are our posted rates; your rate could vary according to your credit.
5 The payment amount may be higher if escrows for property taxes, homeowner's insurance or mortgage insurance are applicable.
6 Fixed Rate